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All Journal Masalah-Masalah Hukum LAW REFORM Jurnal Ilmiah Hukum dan Dinamika Masyarakat Syntax Literate: Jurnal Ilmiah Indonesia UNTAG Law Review JURNAL PEMBANGUNAN HUKUM INDONESIA Jurnal Suara Hukum Jurnal JURISTIC (JuJUR) International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Kolaboratif Sains Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Jurnal Suara Pengabdian 45 Concept: Journal of Social Humanities and Education Jurnal Akta Notaris Notary Law Research The Journal Of Socio Legal and Islam Law Prosiding Seminar Nasional Ilmu Hukum
Markus Suryoutomo
Faculty Of Law, Universitas 17 Agustus 1945 Semarang
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Customer Protection in Cases of Fintech Lending Default: The Perspective of Indonesian Economic Law Markus Suryoutomo; Hasibatul Isniar Sepbrina Pratiwi S; Mig Irianto Legowo; Amsari Damanik; Ade Ari Gumilar
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 4: October-2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i4.8942

Abstract

The rapid development of financial technology (fintech) has fundamentally transformed national financial systems, particularly through the emergence of peer-to-peer (P2P) lending services that enable individuals to obtain funding quickly and easily without the involvement of traditional financial institutions. This business model not only promotes financial inclusion but also drives the growth of Indonesia’s digital economy. Nevertheless, behind its efficiency and convenience, fintech lending poses substantial legal and economic risks most notably the risk of default, which can cause significant losses for both lenders and borrowers. The occurrence of defaults in fintech lending illustrates an imbalance in the legal standing between platform providers, lenders, and borrowers. Within the framework of Indonesia’s economic law, consumer protection serves as a crucial element in maintaining fairness and trust in digital financial systems. This article aims to examine the forms and effectiveness of legal protection available to consumers in cases of fintech lending default, emphasizing the role and responsibility of the Financial Services Authority (Otoritas Jasa Keuangan OJK) as the supervisory body of the financial services sector. This study employs a normative legal research method using statutory and conceptual approaches to analyze the existing regulations and policies, including OJK Regulation No. 10/POJK.05/2022 on Information Technology-Based Joint Funding Services. The findings indicate that, although OJK regulations have established a strong legal foundation, the practical implementation of consumer protection remains challenging particularly in areas of supervision, dispute resolution, and public financial literacy regarding digital finance.
Sosialisasi Hukum Pertanahan Sebagai Upaya Pengabdian Masyarakat Di Kelurahan Ngadirgo Kecamatan Mijen Kota Semarang: Socialization of Land Law as Community Service Efforts in Ngadirgo Village, Mijen District, Semarang City Yulies Tiena Masriani; Suryoutomo, Markus; Saryana
Jurnal Suara Pengabdian 45 Vol. 2 No. 1 (2023): Maret: Jurnal Suara Pengabdian 45
Publisher : LPPM Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/pengabdian45.v2i1.698

Abstract

Land is fixed, does not change, so that land has a promising investment value for most people, this is due to the tendency for the price or selling value of land to continue to increase. The need for housing for the community has increased the sale and purchase of land, the process of legality in land certification has become crucial and needs to be understood carefully. Actualization of community service through outreach regarding land law in Ngadirgo Village, Mijen District, Semarang City has the aim of increasing knowledge of understanding and knowing the importance of land registration and increasing knowledge of understanding and knowing the benefits and functions of land registration. The socialization uses power point presentation media by dividing the method into 4 main components, namely: the lecture method, the interactive discussion method, the consultation method, and the evaluation method. With the socialization related to land law, the people of Ngadirgo Village, Mijen Sub-District gained adequate insight and understanding so that later they can take care of land certification independently so as not to cause problems in the future. The land certificate bleaching program is also one of the main topics related to the socialization of land law as an effort to provide legal certainty and legal protection of community land rights based on the principles of simple, fast, smooth, safe, fair, equitable, and open and accountable so as to increase the welfare and prosperity of the community. and the country's economy as well as reducing and preventing land disputes and conflicts.
Re-Examining The Construction Of Unnamed Hire Purchase Contracts For Motor Vehicles And Their Relationship With Leasing Simbolon, Edison Donauli; Nainggolan, Samuel Dharma Putra; Suryoutomo, Markus; Pakpahan, Elvira Fitriyani; Rahman, Kholilur
Socio Legal and Islamic Law Vol 1 No 2 (2022): The Journal of Socio-Legal and Islamic law
Publisher : Faculty of Law, Muhammadiyah University of Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jssl.v1i2.20808

Abstract

The agreement is the right of every person to enter into an agreement, but entering into an agreement must see the rules or provisions governing the agreement so that the agreement is valid. The lease-purchase agreement is a creation of practice based on the principle of freedom of contract. Freedom of contract is not purely as free as possible, there are limitations in carrying out or making contracts. One of the limitations of the principle of freedom of contract is Article 18 of Law Number 8 of 1999 concerning Consumer Protection, which lists several things that cannot be done in a contract. As a result, if this is done, the contract is null and void by law. Many lease agreements nowadays are agreements made unilaterally by the seller, which should have been made by both parties, what determines everything is that the seller and the consumer just have to agree and comply. This weak consumer position and cause many losses. It is this weak position that is exploited by the seller by imposing several things in the articles of the agreement such as taking back the unit if it does not pay without taking into account the payment made by the consumer beforehand. This research is a normative legal research that uses a statutory approach, a conceptual approach, and case approach that aims to find out the re-examination of motor vehicle lease-purchase agreement construction  
Pemberian Ganti Rugi Immaterial dalam Perbuatan Melanggar Hukum sebagai Perlindungan Hak Asasi Manusia: Providing Immaterial Compensation for Unlawful Acts as Protection of Human Rights Markus Suryoutomo; Agus Wibowo
Jurnal Kolaboratif Sains Vol. 6 No. 10: OKTOBER 2023
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v6i10.4950

Abstract

Rumusan Pasal 1365 KUHPerdata selain menormakan perbuatan melanggar hukum, selaku demikian rumusannya mengatur pula secara limitatif mengandung asas hukum penggantian kerugian bersifat wajib daripadanya. Bahkan, dalam berbagai perkara di pengadilan, seringkali hakim secara ex-officio (kewenangan hakim dalam jabatannya) memberikan dan menetapkan penggantian kerugian (schade vergoeding) meskipun pihak korban tidak menuntutnya. Ganti kerugian atas gugatan perbuatan melanggar hukum dalam KUHPerdata hanya mengatur kerugian materiel akan tetapi tidak mengatur ganti kerugian imateriel. Kerugian materiel (materiële schadevergoeding) merupakan kerugian bersifat wujud yang dapat dinilai dengan uang. Pemberian ganti kerugian materiil dapat diberikan oleh hakim dengan bukti-bukti kerugian yang diderita. Kerugian imateriel (immateriële schadevergoeding) berupa segala sesuatu yang bersifat non-materi yang jumlahnya tidak dapat diperhitungkan secara matematis, dengan syarat bahwa jumlah ganti-rugi tersebut haruslah wajar. Esensi Ganti Rugi Imateriel : Majelis Hakim dalam mempertimbangkan sisi kebenaran Gugatan Perbuatan Melanggar Hukum dari fakta yang menjadi dasar Putusan adalah: Pada putusan ini hakim menggunakan pendekatan judicial activismatas dasar rasa keadilan yang hidup dan berkembang di masyarakat. Dengan mendasarkan Pasal 178 (3) Putusan Subsider: Hakim memutus perkara menuntut rasa keadilan yang ada padanya, (ex aequo et bono), sehingga Putusan Hakim dalam mengabulkan ganti rugi imateriel. secara Koherensi Putusan didasarkan pada Kaidah Hukum, Moral, dan Sosial yang berlaku ditengah masyarakat.
Analisis Yuridis Terhadap Tanggung Jawab Rumah Sakit Atas Kelalaian Tenaga Medis: Legal Analysis of Hospital Responsibility for Medical Personnel Negligence Desy Kartika Ningsih; Anna Veronica Pont; Markus Suryoutomo; Annisa Susinta; Arif Paria Musta
Jurnal Kolaboratif Sains Vol. 8 No. 11: November 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i11.8427

Abstract

Kelalaian tenaga medis merupakan salah satu isu paling krusial dalam pelayanan kesehatan karena dapat menimbulkan dampak serius bagi keselamatan pasien serta menimbulkan konsekuensi hukum bagi rumah sakit sebagai institusi penyelenggara pelayanan. Dalam konteks hukum kesehatan di Indonesia, rumah sakit tidak hanya bertanggung jawab atas tindakan tenaga medis yang berada di bawah koordinasinya, tetapi juga wajib memastikan terselenggaranya pelayanan yang aman, bermutu, dan sesuai standar profesi. Penelitian ini bertujuan untuk menganalisis dasar hukum yang mengatur tanggung jawab rumah sakit, bentuk-bentuk kelalaian yang sering terjadi, serta model pertanggungjawaban yang diterapkan ketika kelalaian menyebabkan kerugian bagi pasien. Melalui pendekatan yuridis normatif, penelitian ini menelaah regulasi yang relevan, seperti Undang-Undang Rumah Sakit, Undang-Undang Praktik Kedokteran, serta doktrin perbuatan melawan hukum dalam hukum perdata. Hasil analisis menunjukkan bahwa tanggung jawab rumah sakit dapat mencakup pertanggungjawaban langsung akibat kelemahan sistem manajemen maupun pertanggungjawaban tidak langsung atas tindakan tenaga medis. Selain itu, penelitian ini menegaskan pentingnya penerapan prinsip kehati-hatian, peningkatan kualitas standar operasional, serta pengawasan internal untuk mencegah terjadinya kelalaian medis. Penguatan regulasi, mekanisme penegakan hukum, dan edukasi bagi tenaga medis juga menjadi faktor penting dalam menciptakan sistem pelayanan kesehatan yang lebih akuntabel dan berorientasi pada keselamatan pasien.
Tanggung Jawab Perdata Dalam Kegagalan Sistem Pembayaran Digital: Analisis Pasal 1365 KUHPerdata: Civil Liability in Digital Payment System Failures: An Analysis of Article 1365 of the Civil Code Anindya Bidasari; Natasya Yunita Sugiastuti; Markus Suryoutomo; Purwanto; Bambang Teguh Handoyo
Jurnal Kolaboratif Sains Vol. 8 No. 12: Desember 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i12.9669

Abstract

Perkembangan sistem pembayaran digital seperti e-wallet, mobile banking, dan platform QRIS telah meningkatkan efisiensi transaksi masyarakat. Namun, di balik kemudahan tersebut terdapat potensi kegagalan sistem seperti gangguan jaringan, error pada pemrosesan transaksi, keterlambatan settlement, hingga double transfer yang dapat menimbulkan kerugian finansial bagi konsumen maupun merchant. Situasi ini menimbulkan pertanyaan mengenai dasar tanggung jawab perdata yang dapat digunakan untuk menuntut pemulihan kerugian. Artikel ini menganalisis penerapan Pasal 1365 KUHPerdata dalam konteks kegagalan sistem pembayaran digital, dengan fokus pada unsur-unsur esensial perbuatan melawan hukum, yaitu adanya perbuatan melanggar hukum, kesalahan atau kelalaian, kerugian, dan hubungan kausal. Analisis juga meninjau bagaimana prinsip tanggung jawab konvensional berdasarkan kesalahan (fault liability) berinteraksi dengan rezim teknologi yang semakin kompleks, yang dalam beberapa literatur mendorong pemberlakuan tanggung jawab objektif pada penyelenggara sistem elektronik. Penelitian ini menggunakan pendekatan yuridis-normatif dengan mengkaji regulasi sektor pembayaran, doktrin hukum perdata, literatur ilmiah nasional, serta ketentuan penyelenggaraan sistem elektronik. Hasil kajian menunjukkan bahwa penerapan Pasal 1365 tetap relevan, tetapi harus diperkuat dengan standar teknis yang diatur dalam regulasi sektoral sebagai parameter untuk menilai ada tidaknya kelalaian. Selain itu, diperlukan mekanisme pemulihan yang lebih responsif dan transparan guna memastikan perlindungan hukum yang optimal bagi konsumen.
The Urgency of the Confidentiality Principle in Restorative Justice Mechanisms Rahman, Kholilur; Lestari, Arum Ayu; Suryoutomo, Markus
Jurnal Suara Hukum Vol. 8 No. 1 (2026): Jurnal Suara Hukum
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

One of the legal issues that is interesting and rarely receives attention in the application of restorative justice is the confidentiality principle. In international provisions, it is regulated in Paragraph 14 of the United Nations Basic Principles and in Paragraph 2 of the Council of Europe Recommendation. In several countries, such as the United States, Belgium, and others, it has attracted the attention of legal scholars. In contrast, research in Indonesia has yet to adequately address or explore this principle in detail. Accordingly, it is both relevant and necessary to investigate the significance of this principle within restorative justice mechanisms. The discussion begins with an exploration of the underlying legal rationale (ratio legis) behind the principle of Confidentiality in models of restorative justice, followed by an analysis of the urgency of reformulating restorative justice provisions within the Indonesian criminal justice system in a way that guarantees this principle. This study employed a normative legal research method, supported by several approaches, including the statute approach, comparative approach, and conceptual approach. The legal materials used consist of both primary and secondary legal sources. The main contribution of this research lies in its role as part of the law that ought to be (ius constituendum) for the reform of criminal procedure law in Indonesia.
Co-Authors Ade Ari Gumilar Agnes Maria Janni Widyawati Agung Tri Atmojo Agus Wibowo Akrom, Akrom Amsari Damanik Anindya Bidasari Anna Veronica Pont ANNISA SUSINTA Aribandi Arif Paria Musta Bambang Teguh Handoyo Christina Bagenda Desy Kartika Ningsih Elvira Fitriyani Pakpahan Hamdani Hamzah Mardiansyah Hasibatul Isniar Sepbrina Pratiwi S Islam, Muhammad Saiful Kastubi Kholilur Rahman Kholilur Rahman, Kholilur Legowo, Mig Irianto Lestari, Arum Ayu Mahmuda Pancawisma Febriharini, Mahmuda Pancawisma Masriani . Mohammad Solekhan Nainggolan, Samuel Dharma Putra Natasya Yunita Sugiastuti Purwanto Saryana Satria, Adhi Putra Simbolon, Edison Donauli Siti Mariyam Siti Mariyam Siti Mariyam Sri Murni Sumartini Dewi Supriadi, Bambang Tiara Eldawati Tony Rachardiyanto Widi Widagdo Pri Wicaksono Widyarini Indriasti Wardani Yusuf Ibrahim Arowosaiye